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CuriousQ writes,

Yes, you can claim some small amount of SS, but since it's based on your highest 140 quarters or earnings, getting all but 40 of 140 quarters of zeros means it'll be pretty low. I should have been more clear.


For high salaried workers, the benefit of working longer is limited.

I had 13 years of paying max FICA when I quit in 1994 and retired at age 38 -- lots of zeros on my FICA earnings record. Yet, at full retirement age I'll get about $2,200/month -- astonishing since I've paid very little into SS over the past 27 years.

What happens to my Social Security benefit if I retire early?


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